澳大利亚一国党日前提议允许工作者在3年内将强制养老储蓄(超级养老金)的投资比例从12%降至9%，并将减少的3%提前提取作为日常收入1。根据该党的设想，年薪9.05万澳元的全职工人每年可获得2300澳元税后收入，约合每周44澳元；而年薪1.68万澳元的夫妻则每年可获4300澳元税后1。一国党党魁保琳娜·汉森声称该政策将为家庭提供"喘息空间"，帮助支付租金、电费和抚养费用1。
然而，政府和学术界对这一提议提出了严厉警告。财政部长吉姆·查默斯警告该政策可能"终结我们所知的超级养老金"1。纽卡斯尔大学商学院副教授估计，这将导致投资收入损失23000至24000澳元1。超级基金成员委员会的分析显示，一名30岁的工人到67岁退休时将少获25000澳元，并在复利效应下损失超过18000澳元1。这一政策还可能增加未来纳税人的负担，因为退休者将面临更严重的贫困风险1。
Australia's One Nation party has proposed allowing workers to withdraw 3 percent of their superannuation contributions early over a three-year period, redirecting these funds from investment to immediate income use 1. Under the plan, workers would reduce their superannuation investment ratio from 12 percent to 9 percent 1.
The financial impact on workers varies by income level 1. A full-time worker earning AUD 90,500 annually would receive AUD 2,300 after tax per year, or AUD 44 per week 1. A couple earning AUD 16,800 combined would receive AUD 4,300 after tax per year, or AUD 82 per week 1.
Government and academic analysts have strongly cautioned against the proposal, citing substantial long-term costs to retirement savings. A Newcastle University Business School associate professor estimates the policy would result in lost investment returns of AUD 23,000 to AUD 24,000 1. A more detailed analysis by the Superannuation Members Council found that a 30-year-old worker retiring at 67 would receive AUD 25,000 less in superannuation, with compound interest losses exceeding an additional AUD 18,000 1. Treasurer Jim Chalmers warned the policy could "end superannuation as we know it" 1.
One Nation leader Pauline Hanson has framed the measure differently, characterizing it as providing "breathing room" for households to cover rental payments, electricity bills, and child support expenses 1.
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